The Texas Report · Fannin County · rating area 19

The Fannin County Efficiency Index Report

County

What the menu looks like here

Plans, dominated plans, Short List and ladder rungs by age in Fannin County
Age	Plans	Dominated	Short List	Ladder rungs
25	88	83 (94%)	5	3
40	88	83 (94%)	5	3
60	88	86 (98%)	2	2

The Short List at 25

5 plans out of 88. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Molina Silver Empower 4500Molina Marketplace · ladder rung	Silver	$434.26	$5,211	$14,461	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare	Expanded Bronze	$460.90	$5,531	$14,031	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas	Expanded Bronze	$464.97	$5,580	$13,880	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$511.29	$6,135	$12,135	28.43¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$571.90	$6,863	$11,263	45.5¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($11,263). Anything past that point is just pre-paying for care.

The Short List at 40

5 plans out of 88. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Molina Silver Empower 4500Molina Marketplace · ladder rung	Silver	$552.77	$6,633	$15,883	0¢
UHC Bronze-X Value HSA ($0 Virtual Urgent Care) (Off-Exchange Only)UnitedHealthcare	Expanded Bronze	$586.68	$7,040	$15,540	0¢
Blue Advantage Bronze HMO℠ 302Blue Cross and Blue Shield of Texas	Expanded Bronze	$591.87	$7,102	$15,402	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung	Silver	$650.83	$7,810	$13,810	36.22¢
UHC Gold-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Gold	$727.97	$8,736	$13,136	57.88¢

Worst case bottoms out at UHC Gold-X Value HSA (Off-Exchange Only) ($13,136). Anything past that point is just pre-paying for care.

The Short List at 60

2 plans out of 88. Every other plan on this menu costs more and protects no better.

Plan	Metal	Monthly	The Floor	Worst case	¢ per $1
Molina Silver Empower 4500Molina Marketplace · ladder rung	Silver	$1,173.88	$14,087	$23,337	0¢
UHC Silver-X Value HSA (Off-Exchange Only)UnitedHealthcare · ladder rung · crossover	Silver	$1,382.11	$16,585	$22,585	76.86¢

Worst case bottoms out at UHC Silver-X Value HSA (Off-Exchange Only) ($22,585). Anything past that point is just pre-paying for care.

Plan year 2026, generated 2026-08-13. The Floor is the annual premium; worst case is the Maximum Annual Exposure — premium plus the most the plan can ask you to chip in. Method at /evidence/methodology. Prices are the carriers’ own, set by law.